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    E-Commerce-Ant Financial

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    Daksh
    Ant Financial is a Chinese fintech company that grew from operating Alipay to become a unicorn with a diverse array of financial products and services. The document analyzes Ant Financial's business through a PEST analysis, timeline, SWOT analysis, advantages, and strategies for serving rural customers and expanding internationally. It also discusses Ant Financial's main competitors in China's fintech market like Tencent, JD.com, and Ping An.

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    E-Commerce-Ant Financial

    Uploaded by

    Daksh
    61 views11 pages
    Ant Financial is a Chinese fintech company that grew from operating Alipay to become a unicorn with a diverse array of financial products and services. The document analyzes Ant Financial's business through a PEST analysis, timeline, SWOT analysis, advantages, and strategies for serving rural customers and expanding internationally. It also discusses Ant Financial's main competitors in China's fintech market like Tencent, JD.com, and Ping An.

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    E-Commerce-Ant Financial (1)

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    Ant Financial is a Chinese fintech company that grew from operating Alipay to become a unicorn with a diverse array of financial products and services. The document analyzes Ant Financial's business through a PEST analysis, timeline, SWOT analysis, advantages, and strategies for serving rural customers and expanding internationally. It also discusses Ant Financial's main competitors in China's fintech market like Tencent, JD.com, and Ping An.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    61 views11 pages

    E-Commerce-Ant Financial

    Uploaded by

    Daksh
    Ant Financial is a Chinese fintech company that grew from operating Alipay to become a unicorn with a diverse array of financial products and services. The document analyzes Ant Financial's business through a PEST analysis, timeline, SWOT analysis, advantages, and strategies for serving rural customers and expanding internationally. It also discusses Ant Financial's main competitors in China's fintech market like Tencent, JD.com, and Ping An.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 11

    Ant Financial

    E-Commerce Group-5

    Akanksha Mutreja Daksh Malhotra Mohit Jain Muskan Dhagga Rohan Aggarwal
    MBA07004 MBA07032 MBA07086 MBA07093 MBA07116
    Introduction

    Fin-tech company grown into a unicorn.


    Internet finance centring ecosytem with third

    party payment business.


    Ant Financial’s products and services- Alipay,

    Yu’e Bao, Ant fortune, MYbank, etc.


    11.11 Loan Assistance Program
    PEST Analysis Political
    Regulatory practices
    Stable Political Governance System

    Economical
    Employment rate & Consumer disposable

    income
    GDP Trend & Rate of Economic Growth

    Social
    Level of Social Concerns & Awareness in

    Society
    Societal Norms and Hierarchy

    Technological
    Acceptance of Mobile Payments and

    Fintech Services
    E-Commerce & Related Infrastructure

    Development
    Timeline
    SWOT Analysis
    S W O T
    (Strengths) (Weaknesses) (Opportunities) (Threats)

    Large geographical Changing regulatory


    Criticism from the Exponential growth in the
    presence of Ant Financial framework and
    environmentalist. population of existing and
    Strong online presence introduction of new
    Poor customer service potential customers.
    on different social stricter regulations.
    Inability to understand Changing customer needs, tastes
    networking sites. Shortage of skilled
    customers’ needs and and preferences
    Well-developed and labors.
    expectations Rise in customer disposable
    efficiently integrated IT Growing direct & indirect
    High decision making income.
    infrastructure competitors.
    time and employee E-commerce & Social media
    Availability of raw Growing environmental
    turnover rate. marketing.
    materials at lower cost. sustainability trends
    Advantages of Ant Financial

    Scenario Based Process Capabilities


    Breakthroughs in
    Prototyping and
    credit profiling
    Risk Management
    Rural Strategies
    Increasing Urbanisation Low Population Density
    21 Million new urban population Low profitability
    every year. High rate for defaulters
    10 million people rising above the 14.5$ billion investement
    poverty line

    Rural TaoBao Supply Chain Utilisation


    Loans without collateral based on Providing loans to already existing
    credit ratings - Wangnong Credit. customers..
    Internet Reminnence, Recharge, Using the strategy of providing
    transfer etc. - Wangnong Pay things and not hard cash.
    Internationalization
    Capturing the Chinese
    Tie-up with Paytm
    Tourist Market
    40% Stake
    Spending 215$ billion, rising at a rapid pace. Capturing Indian Market.
    Supported in 70 countries and over 100000 Technological expertise, Human resources
    outlets. Six-fold increase in total transactions.

    Tie-up with Ascend Money Tie-up with Kakao Pay


    20% Stake 200$ million Investement.
    Based in Thailand. Based in South Korea
    Operations in Indonesia, Philippines, Penetration rate of 95%.
    Vietnam, Myanmar and Cambodia. Establishment of K-Bank.
    Competitor Analysis

    Tencent JD.com Ping An


    Electronic retailer which operated Financial Services conglomerate
    Technology giant with the flagship
    one of China's largest online B2C with core business in insurance,
    product WeChat.
    stores. banking and investment.

    Seamless user experience Collaboration with Lead Finance with Technology


    Dominance in social media, ZestFinance and Life with Finance.
    supported by FinTech. Effective rural strategy 75.9% increase in customer
    'Finlife' concept Tencent and JD pursued a co- base in 2015.
    Motivated adoption of branding strategy. 43% stake in Lufax
    WeChat Pay

    Payment, Lending, Crowdfunding Banking, Insurance, Wealth Payment, Lending, Insurance,


    (competed in the whole spectrum) Management and Distribution Wealth Man., Crowdfunding
    Conclusion
    Challenge to maintain an inclusive
    and sustainable growth.
    Difficulties in overseas expansion
    Current rural strategy
    Regulatory Uncertainities
    Thank you!

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